PHILAM LIFE HEALTH INVEST PLUS

[geraldita03]

It provides the ff:

CRITICAL ILLNESS COVERAGE
Receive a cash amount if you get diagnosed of any of our 56 covered major critical illness including cancer, heart attack, or stroke. You can also get 25% in advance if you get any of 11 covered early stage conditions before age 75.
 

ACCIDENT COVERAGE
Get additional cash to use for serious accidental injuries, disabilities or if you pass away due to an accident until age 72.

WAIVER OF PREMIUMS
Continue your plan without paying future premiums once diagnosed with a major critical illness or once you are totally and permanently disabled.

ADD-ON HOSPITALIZATION COVERAGE
Receive a cash amount daily if you get hospitalized. You can also get extra cash for long-term confinement, ICU stay, outpatient consultations or surgeries.

GROWING HEALTH FUND
Make your money grow through expertly-managed funds that give you an account value to use for healthcare and other costs in the future.

LIFE INSURANCE BENEFIT
Leave a cash amount for your loved ones when you pass away. In case your health fund becomes higher than your life insurance coverage when you pass away, your loved ones can get the higher amount instead.

I'm not selling this policy. hehe! I just wanna ask sino kumuha ng ganitong policy sa Philam? Ito kasi yung gusto kong kunin. Anyone na kumuha nito? Ano po pros and cons?

[fruitloops00]

Hello,

I would suggest that you check all common factors (including the flexibility such as top-ups, investments etc) that you are looking for in an insurance before deciding  which to choose.